Privacy Policy

Per K.A.R. 81-14-5(d)(12)(B)

Financial planning firms are required to disclose their privacy policy to clients, and

allow clients to exercise their right not to have certain information disclosed to

nonaffiliated third parties.

Zenith Financial Planning (ZFP), an independent financial planning firm, is

committed to safeguarding the confidential information of its clients. We hold all

personal information in the strictest confidence. These records include all personal

information we collect from you in connection with any of the services provided.

We do not disclose information to nonaffiliated third parties, except as

permitted by law, and do not anticipate doing so in the future. As you know,

we use the information you provide to help you meet your personal financial goals

while guarding against any real or perceived infringements of your rights of privacy.

Our policy with respect to personal information about you is listed below.

We limit employee and agent access to information only to those who have a

business or professional reason for knowing, and only to nonaffiliated parties as

permitted by law. For example, federal regulations permit us to share a limited

amount of information about you with a brokerage firm, often Charles Schwab &

Co., to open accounts for you and to enable you to execute securities transactions

in those accounts. Many times, we only ask for certain information to complete an

application required by your broker.

With your verbal permission, we do disclose information to nonaffiliated third

parties, such as estate planning attorneys, insurance agents, mortgage brokers, and

tax preparers. An example of this would be when we’re helping you get a quote on

long-term care insurance or disability insurance, the insurance agent may ask you

or us for your age, health rating, etc.

We maintain a secure office and computer environment to ensure that your

information is not placed at unreasonable risk. Paper files are minimal, and desk

files containing client information are locked when left unattended. Unauthorized

access to data on computer equipment including smart phones is prevented using

biometric (facial recognition, voice recognition, and/or fingerprint) security

measures, and user id/password plus either two-step authentication method or

random number authentication (push) method.

We use a third-party cloud service providing encrypted data storage. We have

separate procedures documenting data backups, as required by Kansas Securities

regulations.

We use a third-party service to send/receive encrypted documents to you and any

third party you authorize. Most major brokerage firms, such as Charles Schwab &

Co., give us a means to send and receive (upload/download) encrypted documents

to you; we use those options as well. We use cloud services such as Dropbox to

request sensitive documents from you such as your yearly tax return; we provide

an upload link for you to use. Microsoft applications and its accompanying security

are used for email communications, calendaring, notes, and tasks. We use Google

Chrome browsers to collect information on the internet regarding your pensions

and other information which you’ve authorized us to gather.

The categories of nonpublic personal information that we collect include

information about your finances, including social security numbers, income,

account balances, your health to the extent it’s needed for the planning process (to

estimate life expectancies, etc.), your information about transactions between you

and third parties. We do ask for your tax return annually, and if possible, we’d

prefer copies with the social security numbers redacted.

For unaffiliated third parties that require access to your personal information,

including financial service companies, IT consultants, and auditors, we require strict

confidentiality and expect them to keep this information private. We have written

confirmation of these expectations, and their signed agreement to same. Federal

and state regulators may review firm records as permitted under law.

We do not provide your personally identifiable information to mailing list

vendors or solicitors for any purpose.



Personal 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 laws, and consistent with the CFP

Board Code of Ethics and Standards of Conduct. After this required period of

record retention, all such information will be destroyed.

Please contact Zenith Financial Planning if you have any questions or concerns.