KMS recognizes the importance of protecting your privacy and has established policies designed to safeguard your confidential information. Key elements of those policies are as follows:
- KMS does not sell your personal information to anyone; nor does KMS share your information with anyone except as required or permitted by law or as implicitly authorized by you. Certain information may be shared with sponsors of financial products and services you select. For example, if you invest in a mutual fund through KMS, you may complete an application that KMS forwards to that fund company.
- KMS receives information about you in the normal course of providing financial services. This information is usually communicated to KMS by you or your Representative. If you or another financial institution (mutual fund, insurance company, clearing agent, or advisory firm) designate KMS as dealer of record for an account, that institution may provide KMS with related personal information.
- KMS maintains physical, electronic, and procedural safeguards to protect your privacy. Access to your personal information is restricted to those employees and agents who need the information to provide the products and services you have selected.
- KMS may permit your Representative to maintain access to your personal information to facilitate continuity of effective service to you in the event your Representative chooses to affiliate with a firm other than KMS.
Please contact KMS or your Representative if you identify any error in the information associated with your accounts, or if you have questions concerning the use and maintenance of your confidential information.
Web Site Security
KMS Financial Services, Inc. provides private, secure communications. Confidential account
information and transactions are encrypted with the latest Netscape Secure Commerce Server
technology. Additionally, KMS clients must access their accounts using a secure browser such
as Netscape Navigator
(version 3.0 or higher) or
Microsoft Internet Explorer
(version 3.0 or higher.)
“Cookie” technology ensures your account’s confidentiality and security while making it easier for you to navigate through the site and enabling you to create and recall customized information such as model portfolios and quote tracks. A cookie is a temporary security identifier assigned to your browser and written to your hard drive when log in. Like a visitor pass, the cookie lets you move from page to page within password protected areas of the site without having to enter your user name and password each time you click to get a new page. The cookie is valid for 30 minutes if you stay on the web site and is deleted immediately after you log off or close your browser.
Generally, it is safe to allow cookies. Most browsers let you disable cookies; if you chose to do this, you should make an exception for www.kmsfinancial.com and allow this site to create and use a cookie file.
Business Continuity
KMS has developed and maintains a Business Continuity Plan, (available upon request) which
addresses how we intend to respond in the event of future Significant Business Disruptions such as
natural disasters, technology failure, or terrorist activity. To the extent a disaster effects KMS
Home Office operations, you can generally expect continued access to your account directly with the
company holding your investments (mutual funds, insurance company, clearing firm, etc.) In the event
of a significant business disruption, your first point of contact for information should continue to
be your KMS Representative, and when feasible, updated information will be posted at
http://www.kms.com or
http://www.kmsfinancial.com