Privacy Policy

The Vishaw Sondhi, CPA, P.C is committed to protecting your privacy. To provide the products and services you expect we must collect personal information about you. This Notice describes our current privacy practices. While your relationship with us continues, we will update and send our Privacy Practices Notice as required by law. If our business relationship ends, we will continue to protect your personal information. You do not need to take any action because of this Notice, and you do have certain rights as described below.

We are committed to the responsible use of information and protecting individual privacy rights. As such, we look to leading data protection standards to guide our privacy program. These standards include collecting data through fair and lawful means, such as obtaining your consent when appropriate.

Companies choose how they share your personal information. Federal and state law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this carefully to understand what we do.

We collect personal information about you:

• to help us identify you as a consumer and as our customer;
• to process your requests and transactions;
• to offer investment, insurance, retirement and other financial services to you;
• to help administer your claim;
• to analyze in order to enhance our products and services;
• to tell you about our products or services that we believe you may want and use; and
• as otherwise permitted by law.

The types of personal information we collect depend on your relationship and on the products or services you request and may include the following:

How we collect Information from you: When you submit your application or other forms, you give us information such as your name; address; Social Security number; your financial health; and employment history.

Information may be obtained from cookies, emails, website forms or offline interactions with LDS employees.

Information about your transactions: We maintain information about your transactions with us, such as the products you purchase from us; the amount you paid for those products; your account balances; payment details; and your payment and claims history.

Information from your employer: If your employer applies for or purchases group products from us, we may obtain information about you from your employer or group representative to enroll you in the plan.

When you are no longer our customer, we continue to use your information as described in this notice.

We may share your personal information with insurance companies and with certain service providers. They may use this information:

• to process transactions you, your employer, or your group representative have requested;
• to provide customer service;
• to analyze in order to evaluate or enhance our products and services;
• to gain customer insight; to provide education and training to our workforce and customers; and/or
• to inform you of products or services we offer that you may find useful.

Our service providers are not affiliated with us. Affiliates are companies related by common ownership or control such as the Vishaw Sondhi, CPA, P.C. Nonaffiliates are companies not related by common ownership or control such as the Insurance Companies we represent. They include:

• Financial service providers: third party administrators; broker-dealers; registered representatives and reinsurers.
• Non-financial companies and individuals: consultants; vendors; and companies that assist us in providing services to our clients.

Information we obtain from a report prepared by a service provider may be kept by the service provider and shared with other persons; however, we require our service providers to protect your personal information and to use or disclose it only for the work they are performing for us, or as permitted by law. We may execute agreements with our service providers that permit the service provider to process your personal information outside of the United States, when not prohibited by our contracts and permitted by applicable law.

When you apply for one of our products:

• We may provide information to group policy owners or their designees (for example, to your employer for employer-sponsored plans and their authorized service providers).
• In the event of a sale of all or part of our businesses, we may share customer information with the acquiror as part of the sale.
• In the event of a sale of all or part of our businesses, we may share customer information with the acquiror as part of the sale.
• SMS consent and phone number will not be shared or sold to any third party or affiliates for marketing purposes.

Consent for SMS Communications: Upon granting consent to receive SMS communications from our company, we guarantee that your phone number and personal information remain confidential. We do not sell or share your information with third parties or affiliates. Your phone number and personal information will only be used to conduct business authorized by you.

Types of SMS Communications: Once consent is obtained, the following types of messages may be sent:

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information.

Federal law gives you the right to limit only:

• sharing for our affiliates’ everyday business purposes – information about your creditworthiness;
• sharing for our affiliates to market to you; and
• sharing for nonaffiliates to market to you.

State laws and individual companies may give you additional rights to limit sharing

Security of information

We have an important responsibility to keep your information safe. We use safeguards to protect your information from unauthorized disclosure. To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. Our employees are authorized to access your information only when they need it to perform their job responsibilities. Employees who have access to your personal information are required to keep it confidential. Employees are required to complete privacy training annually.

Your rights regarding your personal information

This Privacy Notice describes how you can exercise your rights regarding your personal information. The Vishaw Sondhi, CPA, P.C comply with all applicable laws and regulations regarding the provision of personal information. The rights provided to you in this Privacy Notice will be administered in accordance with your state’s specific laws and regulations.

Access to personal information: You must submit a written request to receive a copy of your personal information. You may see your personal information in person, or you may ask us to send you a copy of your personal information by mail or electronically, whichever you prefer. We will need to verify your identity before we process the request. Within 30 business days of receiving your request, we will, depending on the specific request you make, (1) inform you of the nature and substance of the recorded personal information we have about you; (2) permit you to obtain a copy of your personal information; and (3) provide the identity (if recorded) of persons to whom we disclosed your personal information within two years prior to the request (if this information is not recorded, we will provide you with the names of those insurance institutions, agents, insurance support organizations or other persons to whom such information is normally disclosed). We will send you notification within 30 business days if we need additional time to respond to your request. If you request a copy of your information by mail, we may charge you a fee for copying and mailing costs.

Changes to personal information: If you believe that your personal information is inaccurate or incomplete, you may ask us to correct, amend, or delete the information. Your request must be in writing and must include the reason you are requesting the change. We will respond within 30 business days from the date we receive your request.

If we make changes to your records as a result of your request, we will notify you in writing and we will send the updated information, at your request, to any person who may have received your personal information within the past two years. We will also send the updated information to any insurance support organization that gave us the information and any insurance support organization that systematically received personal information from us within the prior 7 years unless that support organization no longer maintains your personal information.

If we deny your request to correct, amend, or delete your information, we will provide you with the reasons for the denial. You may write to us and concisely describe what you believe our records should say and why you disagree with our denial of your request to correct, amend, or delete that information. We will file this communication from you with the disputed information, identify the disputed information if it is disclosed, and provide notice of the disagreement to the recipients and in the manner described in the paragraph above.

Basis for adverse underwriting decision: You may ask in writing for the specific reasons for an adverse underwriting decision. An adverse underwriting decision is where you are declined for insurance, offered to insure you at a higher than standard rate, or terminate your coverage.

If you would like to exercise your rights regarding your personal information, please provide your full name, address and telephone number and either email your inquiry to Vishaw@vsondhicpa.com or call 732-542-1777.