Important Disclosure

1. USA Patriot Act Notice

Important Information You Need to Know About Opening A New Account

To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Types of Information You Will Need to Provide

When you open an account, our firm is required to collect information such as the following from you:

  • Your name
  • Date of birth
  • Address
  • Identification number

U.S. Citizen: taxpayer identification number (Social Security number or employer identification number)

Non-U.S. Citizen: taxpayer identification number, passport number and country of issuance, alien identification card number, or government-issued identification showing nationality, residence, and a photograph of you.

You may also need to show your driver’s license or other identifying documents. We may also screen your name against various databases to verify your identity. All information and documentation will be treated in a manner so as to protect your privacy.

A corporation, partnership, trust or other legal entity may need to provide other information, such as its principal place of business, local office, employer identification number, articles of incorporation, government-issued business license, a partnership agreement, or a trust agreement.

Securities and Exchange Commission, FINRA, and New York Stock Exchange rules may also require you to provide additional information, such as your net worth, annual income, occupation, employment information, investment experience and investment objectives.

If Your Identity Cannot Be Verified

In certain circumstances we may not be able to open an account or conduct any transactions for you until we have obtained and verified the necessary identification information. If we have opened an account for you, we may have to restrict trading or close it if you do not supply the necessary information or documents, or if we are unable to verify your identity.

We thank you for your patience and hope that you will support our firm’s efforts to deny terrorists and money launderers access to America’s financial system.

2. Business Continuity Plan

Integral Financial LLC, provides services using computer systems and financial relationships. The events of September 11, 2001 emphasized the importance of the capital markets to our economy. As a result, we have been working to improve our responses to various situations that have the potential to impact our ability to serve you. This disclosure document is designed to provide you with information on how we have approached and/or plan to approach various situations that we may encounter.

Business Continuity Planning Response Scenarios

The details of our BCP are proprietary and contain information which is confidential and in many cases potentially harmful to Integral Financial and our customers if publicly available. All of the various scenarios will be jointly faced with the main office of Integral Financial. These various scenarios along with our expected responses are included in Integral Financial’s customer disclosure document which is posted at BCP Disclosure and included in the initial mailing to new accounts opened at Hilltop Securities, Inc..

In the event of a significant business disruption, Hilltop Securities. Inc. will supply additional information at 866-SWS-5BCP (866-797-5227) or click here for more details.

Updates to this disclosure

As we continue to test our plans and as conditions in our firm and the industry change, we will continuously revise the plans as considered necessary. Whenever we update this disclosure document we will promptly place a copy of it on our website. You may request a hard copy of this disclosure in its current revision be sent to you at any time by mail.

3. Disclaimer

This Web site is offered to you, the user, conditioned on your acceptance without modification of the terms, conditions and notices contained herein. Your use of this Web site constitutes your agreement to all such terms, conditions and notices. Integral Financial LLC may at any time change or modify the terms and conditions applicable to your use of this Web site, or to any aspect or feature of the Web site itself.

The information provided in this Web site is intended for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services obtained from this Web site.

Neither Integral Financial LLC, its affiliates, information providers nor content providers shall have any liability to you or third parties for the accuracy, completeness, timeliness or correct sequencing of information available on this Web site, or for any decision made or action taken by you in reliance upon such information, or for the delay or interruption of such information.

You should always consult your stock broker or other authorized financial advisor or representative to establish actual stock prices before making any stock trades or other financial decisions. Integral Financial LLC, its affiliates, information providers and content providers shall have no liability for investment decisions or other actions taken or made by you based on the information provided on this Web site.

The information available on this Web site is provided on an “as is” basis without warranties of any kind, either express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose, title or non-infringement. In no event will Integral Financial LLC, its affiliates, information providers or content providers be liable to you or any third party for any direct, indirect, consequential, incidental, punitive or special damages (including but not limited to lost profits) arising out of or in any way connected with the use of this Web site, or with the delay or inability to use this Web site, or for any information, products or services obtained through this Web site, whether based in contract, tort, strict liability, or otherwise, even if Integral Financial LLC, its affiliates, information providers and/or content providers has been advised of the possibilities of damages.

Some states do not allow certain limitations on implied warranties, or the exclusion or limitation of incidental, consequential or other damages, so that these disclaimers and limitations may not apply to you.

The information provided is intended for U.S. residents only.

 

4. Privacy Policy

At Integral Financial LLC, we are committed to protecting your privacy and the confidentiality of your personal and financial information. The measures we take to keep your personal information private and secure are outlined below.

Integral Financial LLC has affiliate company as IF Direct LLC which is all part of one corporate family, they work with one another and may work together to service your financial needs. The sharing of your information among our affiliate enables us to serve you more efficiently and makes it more convenient for you to do business with us. We are permitted by law to share information with our affiliates about your account history and your experiences with us. All of our affiliates follow similar privacy policies.

How We Protect Confidentiality

Integral Financial LLC uses procedural, physical and electronic system safeguards to store and secure information about you in compliance with federal standards. Our systems protect your information from unauthorized access, alteration, and destruction. Access is permitted only to those individuals within our organization who need the information to perform their job responsibilities.

When we enter into agreements with other companies to provide services to us or to make products and services available to you, we include a confidentiality clause. Under such an agreement, these companies may receive information about you, but they may only use it for the intended purpose – to benefit you.

Persons Covered by the Privacy Policy

The  Privacy Policy applies to anyone who is a current or former  brokerage or investment advisory client or who registers with one of our services or promotional offers. We provide you with a copy of this policy when you open an account, and we send you annual notifications thereafter. If we change our policy regarding the sharing of information, we will notify you in advance and give you the opportunity to “opt out” of such disclosure.

How We Obtain Information About You

In the normal course of business, we collect, retain and use information about you to serve your financial needs, administer your account(s) and inform you of products and services that may be of interest. This data, known as non-public personal information, may be collected from several sources, including: applications and other forms you file with us (e.g., name, assets, income), records of transactions with us, our affiliates, non-affiliated third parties and others (e.g., credit report). Because we strive to provide you with the best possible service, the accuracy and completeness of your personal information is important to us. We ask that you review your information regularly to ensure that it is correct. Please contact your financial advisor or  directly if you need to correct or update your personal information.

Sharing Information-With Whom and Why

does not sell your personal information to anyone. We restrict the types of information we share and the types of entities with whom we share it. The primary reason for sharing information about you is to increase your convenience in transacting business with us and to give you more financial service choices.

We do not disclose your personal information to non-affiliated third parties, unless one of the following exceptions applies: (1) We disclose personal information to service providers that assist us in processing your transactions or servicing your account(s). An example would be the company that prints and mails your account statement. (2) We disclose or report personal information in limited circumstances when we believe in good faith that disclosure is required or permitted under law. For example, we would provide information in cooperation with securities regulators or law enforcement authorities, to resolve consumer disputes, or to perform credit evaluations and authenticate checks.

Internet Security

We do not retrieve account or personal information from visitors who browse the public areas of our website.

Clients who have the ability to access their accounts online are required to log on to our secure websites with their user name and individually selected password. Your password is known solely to you and should never be shared with anyone.  Each time you access your account, please log off when you are finished.  This will prevent someone else from accessing your account if you leave your computer unattended.

employees use information about you to respond to your needs and to provide you with information about specific products in which you may have an interest. We instruct our employees to use strict standards of care in handling the personal, confidential information of customers and remind them on a regular basis of their obligations with regard to the confidentiality of customer information.

Option to Opt Out and Change Notices

If for any reason at any time in the future, we find it necessary to disclose any of your personal information in a way that is inconsistent with this policy, we will give you advance notice of the proposed change and the opportunity to opt out of such disclosure. For your reference, this Privacy Policy has been posted at www.infi.biz. If you have questions or concerns, please contact us via email at info@infi.biz.

5. Money Laundering Disclosure Statement

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institution to obtain, verify, and record information that identifies each person who opens an account. What this means for you;

• When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you.

• We may also ask to see your driver’s license or other identifying documents.

For any further information regarding these disclosures, please feel free to contact us at 408-996-1118 or email to info@infi.biz.

6. Order Routing

You can click here to review our clearing firm order routing status.

Menu